“Can a child-care operations platform become the primary tuition-payments rail for the fragmented U.S. daycare industry?”
Procare started in 1992 as a homegrown accounting spreadsheet for a single Denver daycare and grew into the dominant vertical SaaS platform for the U.S. child-care industry (40,000+ centers). The strategic pivot was expanding beyond center management into integrated tuition payment processing — becoming a registered ISO of PNC Bank rather than plugging in a third-party PSP — turning tuition flows into the primary monetization engine on top of software subscriptions.
Procare Solutions discloses PNC Bank, N.A. as its sponsor bank, according to the Embedded Finance Index 2026.
Procare Solutions does not disclose a bank charter of its own; its banking services are provided through PNC Bank, N.A..
Procare Solutions processes payments through Procare Payments (self-operated ISO of PNC Bank). Disclosed money-movement rails: ACH.
Procare Solutions's payroll is powered by Gusto.
Procare Solutions integrates with QuickBooks and QuickBooks Online.
The Embedded Finance Index 2026 maps 5 layers in Procare Solutions's stack: Payments / PSP (Procare Payments (self-operated ISO of PNC Bank)); Money movement (ACH); Payroll (Gusto); Sponsor bank (PNC Bank, N.A.); Accounting (QuickBooks and QuickBooks Online).
Procare Solutions was founded by Jeff Blum and is founded in 1992, headquartered in Denver, CO, USA.
Procare Solutions's acquisitions include ChildPlus (Management Information Technology USA, Inc.).
Get a read on where your own stack stands against Procare Solutions and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.